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5 trends for e-commerce and digital platforms in 2025

E-Commerce Update
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5 trends for e-commerce and digital platforms in 2025

With the end of January, the prospects for e-commerce in the coming years have become increasingly solid. Online commerce is one of the fastest-growing segments, with 56% of Brazilian consumers stating that they make more online purchases than in physical stores, according to Opinion Box research.

Pointing in the same direction, the 2022 FIS Global Payments Report reveals that the online sales market is expected to grow by 55.3% by the end of next year, surpassing the US$ 8 trillion mark in transaction value. In Brazil, the scenario is the same, with a projected growth of 95% over the period, potentially reaching US$ 79 billion.

According to Renato Avelar, Co-CEO ofA&EIGHT, high-performance end-to-end digital solutions ecosystem, the beginning of the year marks a milestone for e-commerce to seize the opportunities of the next cycle. "This transition moment is crucial for planning and implementing changes that meet consumer expectations. By evaluating the market beforehand, brands that invest in innovation, personalization, and responsible practices will have a better chance of leading the sector in 2025," he/she/they opine.

With that in mind, the executive listed the top 5 trends for the e-commerce market in 2025, which should also be followed in subsequent years. Confira: 

Return of pragmatism in decision-making

The high overall cost of capital acquisition significantly impacts retail, and decisions will increasingly be based on ensuring return on investment. "There are many disruptive technologies and innovative methodologies, but executives should focus on what truly moves the needle of their e-commerce, always keeping an eye on the bottom line, that is, the key factor that genuinely causes a significant impact on revenue or the acquisition of new customers," explains Avelar.

Retail media as a profitability lever

"Transforming traffic into revenue is essential, and for that retail media is crucial, as it leverages physical and digital infrastructures to sell advertising space to brands, generating high-margin revenue and optimizing the use of first-party data," emphasizes the executive. In other words, retailers expect a 10% increase in revenue from retail media. However, the contribution margin of this source can exceed 6%, which has the potential to double the profit of a retail operation with only a 10% increase in revenue, making it highly profitable and beneficial for the brand as a whole.

Omnichannel focused on loyalty

Omnichannelity is another strong point for retail in the coming years, especially in 2025. Avelar details that this channel integration helps to foster customer loyalty, allowing customers to access a wider range of options to search for products and complete their purchase. However, the focus on loyalty requires a robust and integrated CRM, with a single data source and a 'composable marketing' approach, which means 'combinable commerce,' that is, a modular approach to building and enhancing online stores, allowing for consistent and personalized experiences across all channels, according to the co-CEO.

In this way, e-commerce can use specialized systems and only pay for the services they actually use in the operation, optimizing processes and costs, he concludes.

AI for process automation

Artificial intelligence already plays an important role in e-commerce today, but the trend is that technology will take on an even greater protagonism in personalized service in 2025, an essential element for brands to attract and retain customers. According to Avelar, the market is waking up and understanding that AI is not just for chatbots. "Artificial intelligence will be essential for automating complex integrations and standardizing data, improving operational efficiency and optimizing inventory, marketing, and customer service," he explains.  

Union of retailers, creation of digital catalogs and investment in own channels

In the digital environment, it is already possible to observe the movement of major retailers who are joining forces, integrating seller catalogs to offer greater variety and compete with global marketplaces, creating a stronger and more efficient network, such as Magalu and AliExpress. Currently, marketplaces account for approximately 75% of the national e-commerce market, demonstrating the strength and impact of the sector in the country.

For Avelar, marketplaces in the country have been built on a basis similar to an oligopoly, dominating the sector and shaping commerce. "The brands that sell on marketplaces realize that the situations are becoming increasingly unsustainable, that is, being a seller means being 'at the mercy' of high fees, unsustainable profitability models, and losing the greatest asset an e-commerce can have, which is the customer," reflects the executive, who adds, "retailers and brands are starting to see this issue as a risk and a loss of assets. Marketplaces typically account for more than 60% of online sales for e-commerce businesses, and 40% of sales or even less are through their own channels. Therefore, to regain control, companies need to reverse this situation by better distributing their catalog across marketplaces in a diluted manner and increasing investment in their own channels," concludes the expert.

Braze announces global vacancies for several areas in Brazil

E-Commerce Update
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Braze announces global vacancies for several areas in Brazil

Braze, the customer engagement platform recognized by Great Place to Work®, recently opened a new office in São Paulo and is hiring fluent English-speaking professionals for various departments, including Software Engineering, Revenue Operations, Marketing, Sales, Human Resources, and Finance. More information about Braze's culture, open positions, and the application process can be foundhere.

Whether you’re solving complex technical challenges as a Software Engineer or providing strategic guidance to large brands as a Customer Success Manager, you’ll have the opportunity to make a real difference at Braze, directly contributing to transforming the future of customer engagement.

The new hire will join the platform, which drives personalized engagement for more than 2,000 global customers, sending 2 billion messages daily and processing more than 1 trillion data points annually to connect with 6.7 billion monthly active users.

Additionally, the professionals will have a genuinely approachable team, exceptionally kind and passionate. The company values teamwork, sets high standards, and promotes work-life balance — all while navigating together through rapid global growth.

Braze offers a hybrid work model in the Berrini region (SP), competitive compensation packages (which may include equity), medical and dental insurance, a pet-friendly work environment, learning and remote work allowances, meal vouchers, among others. A complete list of benefits can be foundhere. Braze is excited to welcome new talent as it continues to expand its global presence and strengthen its position as a leader in the Latin American market.

What will Generation Beta consumers be like?

Luiz Correia
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What will Generation Beta consumers be like?

Another generation emerging. The first days of January were marked by the birth of those who will make up the so-called Generation Beta, in another demographic cycle that will extend until 2039. Like the previous ones, their members can bring profiles, behaviors, and demands that are quite different and aligned with the technological immersion we are currently experiencing, demonstrating market trends that can already be analyzed in order to prepare for their future consumers.

This concept of generations includes a group of people whose shared characteristics are influenced by the historical, social, and economic context in which they grow up. In the case of Beta, although we are still very early in this new phase, it is very likely that its aspirations and behaviors will be shaped by the extensive immersion in technological resources we already have today, especially artificial intelligence (AI).

While, for example, Generation Z exhibits a more proactive and committed behavior in pursuing their goals and desires, Beta members may not display the same concern. After all, with robust tools like, for example, ChatGPT, just ask the right question about the subject of interest, and it will provide all the necessary information. This may lead these people to put less effort into learning something, since they will only need to know exactly what to ask these tools.

On one hand, this technological immersion can bring very positive results to our daily lives, making our routines more agile and easier. Not for nothing, in Brazil, the proportion of people aged 10 or older who used the Internet increased from 84.7% in 2021 to 87.2% in 2022, according to data released in the National Household Sample Survey (PNAD). However, every coin has its two sides.

According to information released in the "Data Privacy in 2025" report, one-third of Brazilians have already been victims of data loss or theft. There is a very fine line between the good or bad use of technological advances, especially for those who do not know how to protect themselves against these digital crime attempts, which could become even more pronounced in a generation that will tend to grow even more immersed in these tools.

From a marketing perspective, this technological integration will also be reflected in the consumption habits of this generation. In addition to potentially preferring online shopping much more than in-store shopping – whose digital presence will be crucial for the survival of companies – these members may be much more loyal to a brand than to a specific product, with little likelihood of switching to another company.

While this loyalty can be extremely positive, it also increases market competitiveness in search of new consumers. After all, how to attract a customer who is already highly loyal to a brand if the products themselves tend to no longer be enough in this power of choice? Creating memorable experiences and meeting desires assertively.

The sellers of the future should not only focus on the qualities and differentiators of their products but also on how they can meet the needs of this target audience, in the way that will assist each of these consumers in their daily lives. This will require a strong reinvention of brands, creating journeys that capture their attention and inspire them. Thus, even in the face of another company offering something similar, the chances of being dazzled by the competitor and switching brands will be reduced.

Market virtualization is an undeniable fact. In their hands, this generation will have access to a vast amount of information quickly and easily. So, in addition to becoming increasingly attached to the online world, Generation Beta may be much more critical of the brands they want to engage with. It will be up to each company, therefore, to reinvent itself and ensure exceptional service to meet the needs of its customers, providing experiences that captivate and retain these future consumers.

TOTVS Oeste opens new office in São José do Rio Preto

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TOTVS Oeste opens new office in São José do Rio Preto

TOTVS Oeste, the regional unit of Brazil's largest technology company, inaugurates its new headquarters in São José do Rio Preto. Located on Avenida José Munia, in a 1,700-square-meter office, the new facility was designed to strengthen and expand the company's operations in the region. With a modern design, the new building was designed to provide even more strategic service, bringing together sales and service operations in an innovative and collaborative environment.

In a fully modern and innovative environment, the new office has two floors, offers 140 workstations, an event room, individual booths for remote meetings, and spaces for innovation and experimentation, providing freedom and comfort to think innovatively. The project, which prioritized more integrated environments to create unique experiences, is signed by architect Rafaella Cisneiro.

A U-shaped mezzanine surrounds the inner courtyard, where three vase tables with jabuticaba trees bring a touch of nature to the environment. The project also includes a gourmet space and relaxation areas, providing comfort and social interaction among employees and clients.

The new office reaffirms TOTVS' commitment to local development, expanding companies' access to innovative technologies that drive productivity and efficiency.

“Having a larger, more technologically advanced space has always been a dream. The pandemic ended up postponing this change, but now, with our new structure on the ground floor of the Navarro Building business center, we are able to offer a more modern and welcoming environment for both our employees, who work on the digitalization of companies in various sectors, and for our customers. In addition, we will hold many regional events, promoting even more interaction and networking among businesspeople,” highlights Marco Aurélio Beltrame, executive director of TOTVS Oeste.

Currently, TOTVS Oeste has approximately 2,000 clients and operations in more than 800 cities, as well as international operations in Paraguay and Bolivia, offering software solutions to optimize management, boost sales, and enhance companies' financial support. The new building will allow for closer proximity to the companies. The inauguration of the new office reinforces our commitment to be increasingly closer to our clients, offering technological solutions that drive the digital transformation of companies.

Agenda

To celebrate the inauguration of the new headquarters, TOTVS Oeste will hold two days of networking in Rio Preto, bringing together major industry figures. On February 10th, Dennis Herszkowicz, CEO/President of TOTVS, will give an exclusive lecture. On the 11th, it will be Laércio Cosentino, founder and chairman of the board of TOTVS group, sharing his vision on innovation and business. "It will be a unique opportunity to connect local entrepreneurs, foster knowledge sharing, and showcase the innovations we are bringing to boost the growth of local businesses," highlights Beltrame.

Closing this special program, on the 11th, the new headquarters will host an exclusive event of LIDE Noroeste Paulista, which brings together 118 affiliated companies, 105 young entrepreneurs, and 52 women in leadership positions. "It will be a valuable moment for exchanging experiences and strategic connections to further strengthen the region's business development," says the executive director.

Want to boost sales in 2025? Understand how an efficient acquiring system can enhance sales results

E-Commerce Update
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Want to boost sales in 2025? Understand how an efficient acquiring system can enhance sales results

According to the Brazilian Association of Electronic Commerce (ABComm), e-commerce is expected to grow by 10% in Brazil in 2025, surpassing a revenue of R$ 224 billion. Much of this is due to the mobilization of various retailers to adopt payment processes to boost sales, such as acquiring.

For Felipe Negri, CEO ofPinbank, one-stop bank provider with a complete ecosystem of financial solutions, this alternative is a strategic differential to ensure sustainable growth and competitiveness in the market. "It is a technology that paves the way for brands to increase their conversion rates and serve consumers more efficiently," he says.

Although it is ideal for online stores, the executive also emphasizes that this system can be a sales booster in physical retail. "In addition to facilitating card payments, the format has features that suit the specific needs of each business," he/she/they adds.

Improve Customer Experience (CX)

The main advantage of acquiring is the ability to facilitate quick transactions. "It is a solution that helps the company process a large volume of payments with different cards, bringing automated processes and no human errors," explains the fintech executive.

Due to this dynamic, customers tend to abandon their purchases less, as the Baymard Institute reveals that about 17% of cart abandonments occur due to complex and lengthy checkouts. The institute also reports that operations with these characteristics resulted in an average dropout rate of 70% in 2023.

In addition to agility, Negri also adds that acquiring contributes to promoting better shopping experiences due to its ability to generate strategic insights. "Companies can collect and analyze data related to transactions, which show the ways for brands to adapt to market trends and new consumer habits," he/she/they points out.

Fraud reduction

Another important advantage of acquiring services is protection against online fraud attempts. A recent DataSenado survey conducted in partnership with Nexus illustrates this challenge for e-commerce by revealing that one in four Brazilians was a victim of digital scams within a 12-month period.

An achievement of Pinbank itself further reinforces this benefit. The fintech received the top award from MasterCard in the "approval rate and fraud in card-not-present (e-commerce)" category, demonstrating its capacity as an acquirer to serve high-volume markets, positively impact the customer experience, and provide the strongest barrier against these criminal attacks.

The CEO emphasizes the importance of the service in this regard: "More than being optimized, acquiring is an approach that brings a higher acceptance rate from the public and companies because it is secure. For brands to perform well throughout the year, they need, above all, to gain the trust of consumers and prove to them that they have solid financial management within the digital environment," he concludes.

Drex: o que já se sabe sobre a moeda digital brasileira e qual o impacto no mercado?

Alex Tabor
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Drex: o que já se sabe sobre a moeda digital brasileira e qual o impacto no mercado?

The Central Bank of Brazil is revolutionizing the country's financial system, and Drex, the Brazilian digital currency, is one of the most transformative movements in this journey. This innovation could be a game-changer in the market, bringing more efficiency, transparency, and security to complex transactions. However, his success will depend on the ability to overcome technical and cultural challenges, as well as to gain the trust of users and companies.

But what exactly is Drex? This is the digital version of the real, with a 1 to 1 parity. It goes beyond being just an alternative to physical or digital money: its proposal is to facilitate transactions that today face bureaucratic and costly processes. Imagine, for example, the purchase of a property. With Drex, the transaction amount can be blocked and only released after the formal transfer of the title, eliminating the risk of not receiving payment. Furthermore, smart contracts allow for programming specific conditions, such as inspections of rented properties or delivery guarantees. In the case of real estate, the final registration of the property will still be done at notary offices, but the integration between Drex and the notary systems can make this registration digital, and the transaction is recorded on the blockchain, providing security beyond the notary office.

This blockchain integration not only automates processes but also adds an extra layer of security and transparency, recording each transaction in an auditable and distributed manner. It is a technology that promises not only to modernize the Brazilian financial system but also to reduce costs and strengthen trust in high-value transactions.

Impacts on global markets

In addition to the local impact, Drex positions Brazil on the global map of digital currencies issued by central banks (CBDCs). One of the main advantages will be its ability to facilitate international transfers quickly and at reduced costs. Today, these operations can take days; with Drex, they are expected to be completed in seconds or minutes, increasing the country's competitiveness.

Despite all the potential, the adoption of Drex will not be without challenges. The resistance from sectors such as notary offices, the integration with existing systems, and the need to demonstrate significantly superior value compared to already established solutions, such as using notary offices with paper contracts and Pix payments, will be barriers to overcome. Furthermore, ensuring a simple and intuitive user experience will be essential to attract both the unbanked audience and consumers more accustomed to current technologies.

Opportunity for new products and services

In the payments market, Drex offers opportunities for banks and fintechs to explore asset tokenization and create new financial services. In e-commerce, it can pave the way for greater security in high-value purchases by only releasing the payment after the product has been delivered and verified to meet the consumer's expectations. And in sectors such as real estate and automobiles, the impact can be even more significant, reducing costs and bureaucracy.

Drex's future will be shaped by its ability to deliver real value to users and overcome regulatory and cultural obstacles. However, the potential to transform complex transactions and increase the efficiency of the Brazilian financial system is undeniable.

As CEO of a company in the technology and finance sector, I believe that innovation is the key to building a more inclusive and connected financial market. Drex, then, represents a key piece in this transformation, and we are excited to be part of this revolution.

How to manage fleet supply efficiently and economically

E-Commerce Update
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How to manage fleet supply efficiently and economically

Fuel is one of the biggest expenses in transportation and logistics companies, representing a direct impact on the budget and profitability. Inadequate management can lead to waste, affecting financial performance and theoperational efficiency of fleets.

The challenge is to find ways to control costs without harming the operation. Investing in technology, planning strategic routes, and training drivers are some actions that help improve resource utilization and reduce losses. Below, we explore practices that contribute to more efficient and economical fueling.

Technology as an ally in supply control

Using technology in fleet management is essential to accurately monitor fuel consumption. Systems offleet managementandtelemetry toolsoffer detailed data, such as the average consumption of each vehicle, route performance and even drivers' driving patterns.

These data allow managers to identify areas for improvement. "With detailed reports, it is possible to directly address the biggest consumption bottlenecks, optimizing fuel use," says João Baptista, CEO of thefrotacontrol, a pioneering system that combines technology and fleet management.

With tools likefrotacontrolIt is possible to manage and monitor refueling and trips. The platform helps identify strategic fueling points and prioritize affiliated stations, ensuring savings and greater cost predictability.

Planning routes and strategic stops

Efficiently planned routes help avoid unnecessary fuel costs and reduce travel time. Routing tools can consider factors such as road conditions, traffic, and the location of reliable fueling stations with competitive prices.

Managers can also establish priority stations along the most used routes. This facilitates strategic replenishment, eliminating deviations and ensuring savings.

Driver training

The way drivers drive can make all the difference when it comes to fuel consumption. Practices such as sudden accelerations and excessive braking are factors that increase expenses.

Training drivers to adopt more economical driving is a measure that improves results. Furthermore, more careful driving helps preserve the vehicles and reduces the need for frequent maintenance, not to mention the decrease or elimination of any speeding violations.

“When drivers understand the impact of simple habits, such as maintaining a constant speed and within the limits, it is possible to see gains not only financially, but also in the durability of vehicles”, adds João.

Price monitoring and centralized supply

Monitoring fuel price fluctuations is another important strategy. Partnerships with gas station networks, participation in loyalty programs, and the use of corporate cards for refueling can ensure better conditions. "It is important to know where to stop to refuel, since some states in Brazil have lower prices than others," emphasizes Baptista.

For companies with larger fleets, installing their own fuel tanks on their premises can be a viable solution. Although it requires initial investment, this approach allows for greater control and predictability in expenses, as well as eliminating the need to pay market prices during peak times.

More efficient routines with integrated management

Investing in supply management is not limited to cutting fuel costs. The combination of technology, planning, and team training allows companies to reduce waste, increase productivity, and improve overall operational efficiency.

With tools like Frotacontrol, the refueling process becomes more organized and predictable. In addition to managing fueling stations and affiliated service stations, the system allows managers to monitor trips in real time, providing greater control and security.

By implementing appropriate strategies and integrated solutions, it is possible to transform supply into a strategic process, reducing costs and optimizing the operation as a whole.

Are you a good leader for all generations?

Peter Signorelli
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Are you a good leader for all generations?

Currently, in companies across various sectors, it is increasingly common to have teams composed of members of different ages, which can have its advantages and disadvantages. However, sometimes this age difference can cause distance between people, and it is up to leadership to address this issue, which usually begins when the leader himself cannot handle all generations.

It is understandable that a leader of a certain age has more 'affinity' with people close to their age group, but this cannot become a reason for discrimination. For example, if I am an older leader, will I only consider what the older employees say and ignore the younger ones? The same applies to younger leaders, who do not listen to older employees.

We know that being a good leader is not an easy task and does not happen overnight; it is part of a process and can be time-consuming. The manager placed in this position needs to be prepared for it and willing to improve every day, making adjustments to their attitude to develop an appropriate conduct for the role they hold. And often, it is necessary to abandon behaviors that no longer make sense.

After all, a good leader requires some essential skills that are developed over time, such as active listening, being fair and impartial in day-to-day decisions, learning to delegate tasks and knowing how to make employees feel that they have a safe space in the workplace, where they can share ideas, express doubts and even make constructive criticism.

The fact is that acting this way is already a great challenge for many, which increases as the company has people of various age groups on the team. And why could this be a challenge? When we have people of different ages, we need to adapt our way of communicating and interacting so that each group can understand the message being conveyed correctly.

I see many negative comments about Generation Z, for example, that they are people aged 14 to 28. But are they really the 'terror of managers,' as they are being classified in various articles I've read, or are the leaders the ones who don't know how to handle them? Because once we have people from other generations working alongside us, it is essential to provide proper guidance.

In this sense, I believe that OKRs – Objectives and Key Results – can help leaders to be good for all generations, because if we are seeking to achieve results through ambitious goals, the age of the person speaking does not matter, as long as hypotheses and data are raised, so that it can later be identified which of them were true and validated and which were not.

In this way, the tool stimulates teamwork and also encourages each employee to perform their role in the best possible way, which makes it easier for people of different age groups to work together to deliver better results, forming a more powerful multigenerational team.

How to maximize the use of WhatsApp Business in retail

E-Commerce Update
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How to maximize the use of WhatsApp Business in retail

A study revealed that 95% of Brazilian companies use WhatsApp, establishing it as the most popular chat in the country. This statistic reflects the efficiency and practicality of the tool, which facilitates direct and agile communication between brands and customers, strengthening relationships and expanding interaction possibilities. The survey was conducted by Yalo.

The Business version of the app offers features that go beyond the basics, but it is the Official WhatsApp API that provides a more practical and professional solution. With it, companies can not only serve their customers quickly but also incorporate essential features such as integrated payment, automated support, and post-sales management. These tools make the official WhatsApp API a strategic resource for companies seeking to optimize processes and improve the customer experience.

These are the so-called intelligent automation solutions, advanced personalization and multichannel integration, advances that bring new possibilities for businesses.

“There are technologies such as chatbots that integrate channels such as websites and social networks — Facebook Messenger and Instagram Direct — with customer service via WhatsApp, making everything more practical and faster, for example. And they also provide customer service automatically,” says Alberto Filho, CEO of Poli Digital.

In Brazil, approximately 164,000 chatbots are in operation, according to the Brazilian Bot Ecosystem Map. These systems go beyond the basics: they use artificial intelligence to simulate almost human interactions, resolve doubts, make appointments, and even close sales.

Integration

Alberto Filho says that today it is possible to integrate advanced chatbots with systems such as CRM (Customer Relationship Management), ERP, and e-commerce platforms. With these integrations, routine tasks such as updating invoices, order confirmations, or delivery status changes can be automated, allowing human teams to focus on more strategic activities.

“This strategy offers consumers the possibility of starting a conversation on one channel and continuing it on another, without losing their interaction history. This continuity is important for brands that deal with high volumes of interaction, allowing a centralized view of all points of contact with the consumer”, comments the CEO of Poli Digital.

Payment 

In addition to customer service, using a platform that integrates with the Official WhatsApp API also offers the possibility of automated payments directly through the platform. An example of this functionality is Poli Pay, a solution developed by Poli Digital. With it, consumers can make payments directly in the chat while being served, making the purchasing process more practical and integrated.

This feature has been gaining ground in the market and is in full expansion. The amounts processed by Poli Pay have already exceeded 6 million reais, demonstrating its effectiveness in simplifying transactions and increasing convenience for businesses and customers.

Alberto says that Poli Pay enables the creation of catalogs of products and services illustrated with photos, and the creation and sending of "shopping carts" with the option of a payment link. All integrated with Mercado Pago and PagSeguro.

"The goal is to provide a smooth shopping experience, eliminating barriers and increasing conversion chances," explains Alberto Filho. This approach is supported by data: a study by Poli Digital reveals that the conversion rate using the Poli Pay solution can be almost three times higher than traditional e-commerce.

Security

For companies that are not yet part of this trend and want to start, Alberto highlights the importance of choosing a chatbot that is provided by an official partner company of the Meta Group, which offers a series of important benefits and above all: security.

The official integration ensures that all interactions carried out via WhatsApp are conducted securely, protecting user data and preventing practices that violate the platform's guidelines. This significantly reduces the risk of suspension or cancellation of contact channels, a common problem for companies using non-certified solutions.

“With the advancement of the Official WhatsApp API as a central platform for sales, service and marketing, brands that embrace these trends will be aligned with global communication and innovation practices in 2025. This will allow them to offer differentiated experiences and gain a larger share in an increasingly competitive market,” concludes the CEO of Poli Digital.

PagBank is among the best companies in the world in sustainable growth in a ranking presented by TIME magazine

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PagBank is among the best companies in the world in sustainable growth in a ranking presented by TIME magazine

THEBanking, a digital financial services and payment methods bank, was recognized as one of the 'Best Companies in the World for Sustainable Growth' (World’s Best Companies – Sustainable Growth 2025) by TIME magazine, in partnership with Statista Inc., the leading global provider of statistical analysis and rankings. The list of analyzed and recognized companies has just been published in theTIME magazine website, showcasing companies that combine financial performance with exemplary environmental practices.  

"For PagBank, it is an honor to be part of this prestigious list. This recognition reaffirms our commitment to financial stability and environmental sustainability. We will remain steadfast in our mission to offer innovative solutions that simplify our clients' financial lives, always aligned with our responsibility to the environment," says Alexandre Magnani, CEO of PagBank.

For this category, criteria such as revenue growth between 2021 and 2023, compared to industry averages, were analyzed to ensure impartiality, along with financial health, using recognized indices such as Piotroski F-Score and Altman Z-Score. Additionally, environmental indicators were evaluated, considering carbon emissions, water resource utilization, energy consumption, and waste management. According to TIME, the list reveals that companies of various sizes and sectors can achieve significant results by adopting more sustainable practices.  

For the CEO, this recognition comes at a strategic moment for the Company, which recently concluded a process ofrebranding and strengthening its identity as a complete bank where 'your money earns more'. PagBank also holds the AAA.br rating from the most renowned global agencies, being the highest level on the national scale and the assessment based on the analysis of our consolidated financial data. "This combination of recognitions reflects PagBank's significant competitive position in the acquiring industry, with a strong presence in the long tail (micro businesses, freelancers) and small and medium-sized enterprises (SMEs), as well as the solid results reported in recent years," concludes Magnani.

One of the largest digital banks in the country by the number of clients, PagBank offers tools for in-person and online sales, a complete digital account for individuals and businesses, as well as features that contribute to financial management, such as Payroll. At PagBank, the credit card has a guaranteed limit, and investments become a limit for the card itself, enhancing customers' earnings, in addition to generating cashback on the bill. At PagBank, those with active and inactive balances in the FGTS can request early withdrawal, and it is also possible to contract the INSS payroll loan for retirees and pensioners directly through the PagBank app.

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